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Best Buy Insurance Inc., 1 Rossland Road W, Ajax, ON (2026)

08/27/2026

Life Insurance Review: Has Your Coverage Kept Up With Your Life?

Life changes quickly. Milestones like marriage, buying a home, welcoming children, starting a business or changing careers can all shift your financial priorities. Because of this, a life insurance policy that once fit may no longer match your current needs. A life insurance review is a smart way to ensure your coverage still aligns with your goals and family’s future security.

Life insurance provides a tax-free benefit to your beneficiaries, helping replace income, cover debts such as a mortgage, support education costs or maintain everyday living expenses if something happens to you. But as circumstances evolve, the amount and type of coverage you originally purchased may no longer be sufficient.

During a review, you can assess whether your policy type — whether term or permanent — is still ideal, and confirm that your benefit amount, beneficiaries and policy features reflect your current situation. You may also discover opportunities to adjust coverage based on changes in income, expenses or long-term financial planning goals.

Best Buy Insurance brokers work with trusted Canadian insurance providers and can help guide you through a life insurance review. By taking the time to ensure your coverage keeps up with your life, you help protect your family’s financial future and gain peace of mind.

08/20/2026

Insurance Checkup: A Smart Financial Reset Before Fall

As summer winds down and fall approaches, now is an excellent time to give your insurance coverage a thorough review. An insurance checkup helps ensure your policies still reflect your current lifestyle, property value, assets and risk exposures — and it can be one of the smartest financial resets you do before the season changes.

Life changes throughout the year — such as renovations, major purchases, new drivers in the household, changes in employment or even shifts in how you use your home — can all affect your insurance needs. A standard home or condo insurance policy protects your dwelling, personal belongings and liability, but optional endorsements like sewer backup or overland water coverage might be worth reconsidering as the seasons change.

An insurance checkup also helps confirm that deductible levels, coverage limits and risk protections are still appropriate. It’s an opportunity to identify gaps, reduce overlaps, and discuss new coverage opportunities, such as umbrella liability or additional protection for high-value items.

Best Buy Insurance brokers work with leading Canadian insurers and can help you compare your current coverages against available options. Taking a few moments now to review your insurance means you’ll head into fall confident that your coverage is up to date, efficient and aligned with your needs.

08/13/2026

Disability Insurance for Self-Employed Professionals

For self-employed professionals in Ontario, your income is tied directly to your ability to work. Unlike employees with group benefits, self-employed individuals often don’t have workplace disability coverage, making disability insurance an essential part of financial planning. This type of insurance can help replace a portion of your income if you’re unable to work due to an injury or illness.

Disability insurance is designed to provide ongoing support when medical issues prevent you from performing your job duties. For many self-employed professionals — such as consultants, contractors, tradespeople and freelancers — regular bills, mortgage payments and business expenses don’t stop when income does. Having a policy in place helps protect your financial stability and gives you time to focus on recovery, not cash flow.

When considering disability coverage, it’s important to look at the elimination period (the waiting time before benefits begin) and the benefit period (how long payments will continue). Policies can be tailored to your specific profession and income level, ensuring you’re not underinsured if the unexpected occurs.

A Best Buy Insurance broker can help you compare disability insurance options from trusted Canadian providers, explain how policies work, and recommend coverage that fits your business and budget. Planning ahead with disability insurance means protecting both your livelihood and peace of mind.

08/06/2026

Watercraft Liability Limits — Are You Carrying Enough?

Boating season is in full swing across Ontario’s lakes and rivers, and while water adventures are a highlight of summer, they also come with potential risks. Whether you’re piloting a motorboat, pontoon, sailboat or personal watercraft, it’s important to make sure you have adequate liability coverage as part of your watercraft insurance policy.

Standard watercraft insurance policies typically include protection for damage to your own vessel and equipment, but liability coverage is what helps if you’re found responsible for injuring another person or damaging someone else’s property while on the water. In busy boating areas or when towing a skier or tuber, the risk of an accident increases, and a claim could easily exceed a lower liability limit.

Carrying a liability limit that reflects your boating habits, vessel size and usage is key to avoiding out-of-pocket costs in the event of a serious claim. In some cases, increasing your liability limit or adding an umbrella liability policy can provide an extra layer of protection beyond basic coverage.

This broader protection can be especially valuable if you entertain guests, participate in group events, or use your watercraft frequently.

Being proactive about watercraft liability means you’re better prepared to enjoy every wave with confidence.

07/30/2026

RV Insurance: Road Trip Coverage Essentials

Summer road trips and cross-country adventures are a favourite part of the season for many Ontario families. If you’re planning to explore scenic routes in an RV, ensuring you have the right insurance coverage in place is essential for peace of mind along the way.

Recreational vehicle insurance is different from standard auto insurance. It’s designed to protect not only the vehicle itself—whether it’s a motorhome, campervan or travel trailer—but also the unique risks that come with life on the road. This includes coverage for collision, comprehensive loss, theft and vandalism, as well as liability protection if you’re involved in an accident that causes injury or property damage.

RV policies may also include options for contents coverage to protect personal belongings inside the unit, such as electronics, camping gear, and appliances. Additional endorsements like roadside assistance, emergency accommodation and vacation liability can make a big difference when you’re far from home.

Before hitting the highway, it’s also important to ensure your coverage reflects how you use your RV. Frequent travel, long stays at campgrounds, or towing additional equipment may warrant adjustments to your policy.

A Best Buy Insurance broker can help you navigate RV insurance options that match your travel style and needs so you can focus on enjoying the journey with confidence.

07/23/2026

Insurance Implications of Installing a Pool or Hot Tub

Adding a pool or hot tub to your property can transform your backyard into a summer oasis, but it also comes with important insurance considerations. Whether planning an in-ground pool, above-ground option, or a backyard hot tub, these additions can affect your home or condo insurance coverage and liability exposure.

Pools and hot tubs increase the risk of accidental injury to guests, children or visitors. Most standard home and condo insurance policies include personal liability coverage, but adding a swimming pool or hot tub may increase your exposure and lead insurers to recommend higher liability limits or specific endorsements to ensure adequate protection.

In addition to liability, you may need to confirm that your dwelling coverage reflects the increased replacement cost of your property should damage occur. Pools and hot tubs often involve fencing, decking, electrical or mechanical equipment, and safety features—each element of value that could affect how your home is insured.

Installing proper safety measures, such as compliant fencing, locked gates and clear signage, not only helps protect your family and visitors but may also be favourably viewed by insurers. Be sure to inform your Best Buy Insurance broker before installation begins so coverage can be reviewed and updated if necessary.

A quick policy review helps ensure your new pool or hot tub enhances summer fun without leaving you underinsured.

07/16/2026

Classic & Collector Vehicle Insurance

Car show season is here, and for classic and collector vehicle owners in Ontario, that means getting out on the road and showcasing some truly iconic machines. Whether you drive a vintage cruiser, restored muscle car, or limited-edition collector, it’s important to ensure your insurance reflects the unique value and use of these vehicles.

Standard auto insurance policies are designed for everyday driving and typically base value on depreciated market worth. Classic and collector vehicle insurance works differently. These specialty policies use an agreed-upon or appraised value, meaning you and your broker agree in advance on the vehicle’s worth. In the event of a claim, this agreed value helps ensure you’re properly compensated for the true worth of your classic car.

Because classic vehicles are often used seasonally, for shows, cruises and special events, insurers may apply usage limits that reflect lower annual mileage and carefully defined driving purposes. This can help reduce premiums while still providing robust protection.

Secure storage during the off-season and proper maintenance records may also contribute to more favourable policy terms. Many owners also choose coverage that includes protection for trailers and show-specific equipment.

Connecting with a Best Buy Insurance broker can help ensure your coverage aligns with your vehicle’s purpose and value so you can enjoy every kilometre of car show season with confidence.

07/14/2026

A heartfelt thank you to everyone across Durham Region who voted for us in the 2026 Readers' Choice Awards!

We’re honoured to receive the Platinum Award for both Best Insurance Company and Best Insurance Agent/Broker. Your trust and support mean the world to our team.

We’re proud to serve our community and look forward to continuing to provide the knowledgeable, personalized service you deserve. Thank you for being part of our journey!

07/09/2026

Airbnb & Short-Term Rental Insurance Considerations

With short-term rentals and platforms like Airbnb becoming increasingly popular in Ontario, many homeowners and condo owners are turning part of their property into a source of income. While hosting can be rewarding, it’s important to understand how insurance fits into your plans to avoid gaps in coverage.

Standard home and condo insurance policies are designed to protect owner-occupied properties and typically include coverage for your dwelling, personal belongings, and personal liability. However, when you start hosting guests for short-term stays, your risk profile changes. Regular policies may not respond to claims arising from business-related activities such as frequent guest turnover, property damage caused by guests, or liability claims related to a stay.

That’s where short-term rental or landlord insurance comes into play. This type of coverage is tailored to properties that are rented out, whether it’s a basement suite, cottage, or entire home. It can provide protection for the building, contents used by guests, loss of rental income and liability related to guest injuries or property damage.

Before listing your property, it’s wise to speak with a Best Buy Insurance broker. They can help you review your current policy and advise on appropriate rental-specific coverage or endorsements so you can host with confidence and ensure your investment is properly protected.

07/02/2026

Hosting Backyard Gatherings? Liability Risks to Consider

Summer in Ontario means backyard gatherings with family and friends. Whether you’re planning a barbecue, pool party, or casual get-together, hosting outdoors is a great way to enjoy the season. Before the fun begins, it’s important to consider how your insurance coverage protects you if something goes wrong.

Home and condo insurance policies typically include personal liability coverage, which helps protect you if a guest is injured on your property or if you accidentally cause damage to someone else’s belongings. For example, if a guest slips in the yard, a child falls near a fire pit, or an errant ball breaks a neighbour’s window, liability coverage can help with legal defence costs and potential settlements.

If your gathering includes activities that increase risk—such as a swimming pool, trampoline, play structures, or serving alcohol—make sure your policy limits and coverage are appropriate. Larger events with many people can raise the likelihood of accidents, and your liability exposure could exceed basic policy limits in rare circumstances.

A review with a Best Buy Insurance broker can help confirm that your liability coverage reflects your lifestyle and backyard activities. Knowing your insurance is up to date can give you peace of mind, allowing you to focus on making summer memories—safely.

Best Buy Insurance Inc.

08/27/2026

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Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm